If you are a frequent traveler, you know how important it is to have the right credit card that offers you rewards and benefits that make your journeys more comfortable and stress-free. If you are based in Singapore, you may have heard about the HSBC Infinite Singapore credit card. This premium credit card is designed for high-income earners and frequent travelers who want to enjoy luxurious travel benefits and earn air miles on their spending.
HSBC Infinite Singapore Overview: The HSBC Infinite Singapore credit card offers a range of exclusive benefits and rewards, including up to 2.25 air miles per S$1 spent, complimentary access to over 1,100 VIP airport lounges worldwide, and a dedicated concierge service for personalized assistance. You can also enjoy comprehensive travel insurance coverage of up to SGD2.75 million when you charge the full cost of your air ticket to your HSBC Infinite Singapore credit card. This credit card is ideal for those who want to earn air miles quickly and redeem them for flights, hotel stays, and other travel-related expenses.
Eligibility and Application: To apply for the HSBC Infinite Singapore credit card, you need to be a Singaporean citizen or permanent resident and have an annual income of at least S$120,000. You can apply for the credit card online or through the HSBC Singapore app, and the application process takes about five minutes. Once your application is approved, you will receive your credit card within seven working days.
HSBC Infinite Singapore Overview
If you’re looking for a premium credit card that offers a range of luxury lifestyle perks, the HSBC Visa Infinite Credit Card might be the card for you. With a minimum annual income requirement of SGD120,000, this card is designed for high earners who want to enjoy the finer things in life.
HSBC Visa Infinite Credit Card
The HSBC Visa Infinite Credit Card offers a range of benefits, including complimentary travel insurance that covers you and your loved ones for up to SGD2.75 million when you charge the full cost of your air ticket to your card. This insurance also covers trips that you’ve paid jointly with your HSBC Visa Infinite card and any air miles redemption.
In addition to travel insurance, the HSBC Visa Infinite Credit Card also offers airport lounge access, expedited immigration clearance, and a Priority Pass membership. This means you can relax in style before your flight, and breeze through immigration when you arrive at your destination.
Benefits of HSBC Infinite
One of the biggest benefits of the HSBC Visa Infinite Credit Card is the welcome bonus of 35,000 air miles redeemable with over 40 airlines. This makes it easy to book your next holiday, whether you’re travelling within Singapore or further afield.
Other benefits of the HSBC Visa Infinite Credit Card include unlimited access to airport lounges, airport limousine transfers, and expedited immigration clearance. This means you can travel in style, without having to worry about the hassle of getting to and from the airport.
Lifestyle Perks
The HSBC Visa Infinite Credit Card also offers a range of lifestyle perks, including access to Standard and Premier ENTERTAINER privileges via a smartphone app. This gives you access to a range of 1-for-1 offers on dining, lifestyle, and hotels across Singapore and many other popular destinations like London and Bali.
If you’re looking for a premium credit card that offers a range of luxury lifestyle perks, the HSBC Visa Infinite Credit Card is definitely worth considering. With its range of benefits and lifestyle perks, it’s the perfect card for high earners who want to enjoy the finer things in life.
Eligibility and Application
If you are interested in applying for the HSBC Visa Infinite Credit Card in Singapore, there are certain qualifying criteria that you must meet. In this section, we will discuss the eligibility requirements, the application process, and the documents that you will need to provide.
Qualifying Criteria
To be eligible for the HSBC Visa Infinite Credit Card, you must be at least 21 years old. In addition, you must meet the minimum annual income requirements, which are SGD30,000 for Singaporeans and Permanent Residents, SGD40,000 for self-employed Singaporeans and Permanent Residents, and SGD40,000 for foreigners residing in Singapore.
Application Process
The application process for the HSBC Visa Infinite Credit Card is simple and straightforward. You can apply online or in person at any HSBC branch in Singapore. To apply online, you will need to provide your NRIC or passport number, as well as your SingPass or MyInfo login details.
Documents Required
When applying for the HSBC Visa Infinite Credit Card, you will need to provide certain documents to verify your identity and income. Salaried employees will need to provide their latest computerised payslip, as well as their CPF statement or latest Notice of Assessment. Self-employed individuals will need to provide their latest Notice of Assessment, as well as their CPF statement for the past 12 months.
Overall, the HSBC Visa Infinite Credit Card is a premium credit card that offers a range of exclusive benefits and services. If you meet the eligibility requirements and are interested in applying, be sure to provide all of the necessary documents and follow the application process carefully.
Earning and Redeeming Miles
As an HSBC Visa Infinite cardholder, you can earn miles on your everyday purchases and redeem them for exciting rewards. Here’s a breakdown of how you can earn and redeem miles:
Local and Overseas Spend
With your HSBC Visa Infinite card, you can earn 2.5 HSBC Rewards Points per $1 spent locally and 5 HSBC Rewards Points per $1 spent overseas. This means that you can earn air miles quickly and easily, whether you’re shopping at your favourite local stores or exploring new destinations abroad.
Mileage Program
HSBC’s Rewards Programme allows you to earn and redeem points for a variety of rewards, including air miles. You can earn HSBC Rewards Points on your HSBC Visa Infinite card and then redeem them for air miles with a range of airlines.
Transfer Partners
HSBC has partnered with a variety of airlines to offer you even more ways to earn and redeem air miles. You can transfer your HSBC Rewards Points to airlines such as Singapore Airlines, Cathay Pacific, and Emirates, giving you even more options for redeeming your miles.
In addition to earning and redeeming air miles, your HSBC Visa Infinite card also comes with a range of other benefits, such as complimentary airport lounge visits, travel insurance coverage, and more.
So whether you’re a frequent traveller or simply looking to earn rewards on your everyday purchases, the HSBC Visa Infinite card is an excellent choice. With its generous earn rates and flexible redemption options, you’ll be able to accumulate air miles quickly and easily, and enjoy exciting rewards in no time.
Fees and Charges
As with any credit card, the HSBC Visa Infinite card comes with a range of fees and charges that you should be aware of before applying. Here are the details on the annual fees, transaction fees, and other charges associated with the HSBC Visa Infinite card.
Annual Fees
The annual fee for the HSBC Visa Infinite card is SGD 662.15 for non-HSBC Premier customers and SGD 497.12 for HSBC Premier customers. This fee is payable and charged upon card approval. The fee is strictly non-waivable, regardless of how much you spend per year.
Transaction Fees
The HSBC Visa Infinite card charges a foreign currency transaction fee of 1.8% on all foreign currency transactions. This fee is charged on the converted SGD amount and includes a 1% administrative fee charged by Visa.
Other Charges
The following are other charges associated with the HSBC Visa Infinite card:
- Overlimit fee: SGD 40
- Late payment fee: SGD 100
- Cash advance fee: 6% of the amount withdrawn or SGD 15, whichever is greater
- Transfer fee: 4% of the amount transferred or SGD 15, whichever is greater
It is important to note that the minimum monthly payment is either SGD 50 or 100% of interest, late fees, annual fee and overlimit fees + 1% of remaining outstanding balance + overlimit amount (or SGD 50, whichever is higher). Additionally, annual fees are subject to GST.
Overall, the HSBC Visa Infinite card offers a range of benefits and rewards for frequent travellers and those looking for a premium credit card. However, it is important to be aware of the fees and charges associated with the card to avoid any surprises down the line.
Comparative Analysis
HSBC vs Other Premium Cards
When it comes to premium credit cards in Singapore, HSBC Visa Infinite Credit Card is a strong contender. However, it is important to compare it with other premium credit cards in the market to see how it stacks up. Here is a brief comparison of HSBC Visa Infinite Credit Card with other premium credit cards:
OCBC Voyage: OCBC Voyage is a premium credit card that offers similar benefits to HSBC Visa Infinite Credit Card. However, HSBC Visa Infinite Credit Card has a higher earn rate of up to 2.25 air miles per dollar spent, compared to OCBC Voyage’s earn rate of up to 1.6 air miles per dollar spent. HSBC Visa Infinite Credit Card also offers a higher sign-up bonus of up to 40,000 air miles, compared to OCBC Voyage’s sign-up bonus of up to 15,000 air miles.
Citi Prestige: Citi Prestige is another premium credit card that offers similar benefits to HSBC Visa Infinite Credit Card. However, Citi Prestige has a higher annual fee of $535, compared to HSBC Visa Infinite Credit Card’s annual fee of $497.12 for HSBC Premier customers. HSBC Visa Infinite Credit Card also offers a higher earn rate of up to 2.25 air miles per dollar spent, compared to Citi Prestige’s earn rate of up to 1.3 air miles per dollar spent.
SCB Visa Infinite: SCB Visa Infinite is a premium credit card that offers similar benefits to HSBC Visa Infinite Credit Card. However, HSBC Visa Infinite Credit Card has a lower annual fee of $497.12 for HSBC Premier customers, compared to SCB Visa Infinite’s annual fee of $588.50. HSBC Visa Infinite Credit Card also offers a higher earn rate of up to 2.25 air miles per dollar spent, compared to SCB Visa Infinite’s earn rate of up to 1.4 air miles per dollar spent.
Customer Experiences
When it comes to choosing a premium credit card, customer experiences are important to consider. Here are a few reviews of HSBC Visa Infinite Credit Card from existing HSBC Premier customers:
- “HSBC Visa Infinite Credit Card is an excellent card for frequent travellers. The earn rate of up to 2.25 air miles per dollar spent is unbeatable, and the exclusive lifestyle and travel benefits are a great added bonus.”
- “I have been using HSBC Visa Infinite Credit Card for over a year now, and I am very satisfied with the card. The customer service is excellent, and the rewards program is very generous.”
- “HSBC Visa Infinite Credit Card is the best premium credit card in the market. The earn rate of up to 2.25 air miles per dollar spent is unmatched, and the travel benefits are amazing.”
Overall, HSBC Visa Infinite Credit Card is a great choice for those looking for a premium credit card with excellent travel benefits and a high earn rate. However, it is important to compare it with other premium credit cards in the market to see which card suits your needs best.
Frequently Asked Questions
How can I enjoy lounge access with my HSBC Visa Infinite card at Singapore airport?
As a HSBC Visa Infinite cardholder, you can enjoy complimentary access to the Plaza Premium Lounge at Singapore Changi Airport. Simply present your HSBC Visa Infinite card and a valid boarding pass for that day’s travel. You can also enjoy access to over 1,000 airport lounges worldwide through the LoungeKey program. To access the LoungeKey program, simply register your HSBC Visa Infinite card on the LoungeKey website.
What are the exclusive benefits of the HSBC Infinite credit card?
The HSBC Visa Infinite card offers a range of exclusive benefits, including complimentary travel insurance, airport limousine transfers, and golfing privileges. You can also earn rewards points on your spending, which can be redeemed for a range of rewards, including flights, hotel stays, and shopping vouchers.
How do I contact customer service for my HSBC Infinite card?
You can contact HSBC customer service by calling the number on the back of your HSBC Visa Infinite card. The customer service team is available 24/7 to assist you with any queries or concerns you may have.
What is the required minimum income to be eligible for an HSBC Infinite card?
To be eligible for a HSBC Visa Infinite card, you must have a minimum annual income of $120,000. You must also be a Singapore citizen or permanent resident, or a foreigner with a valid employment pass.
Where can I find comprehensive reviews of the HSBC Infinite card?
You can find comprehensive reviews of the HSBC Visa Infinite card on various financial websites and forums. These reviews can provide you with valuable insights into the card’s benefits and drawbacks, as well as the experiences of other cardholders.
How do I log in to manage my HSBC Infinite account online?
To manage your HSBC Visa Infinite account online, simply log in to the HSBC Online Banking portal using your username and password. From there, you can view your account balance, transaction history, and rewards points balance, as well as make payments and manage your account settings.